Posted by Todd Heck. on March 30, 2011 at 16:39:40 from (98.28.122.255):
In Reply to: Home Insurance posted by pburchett on March 30, 2011 at 08:38:53:
I work in the insurance repair business and do mold, fire and water damage. I have nationwide and talk to my agent on a yearly basis since I know how the game is played. If you have home owners, car insured with them you get a great discount. You can get cut rate insurance with any one. The highr your deductable the cheaper the payment. You can save money if you have low limits on your has for water damage.Like 5,000.00 like for water in your basement, but that 5 K covers clean up and putting it back right and also any contents lost. With fires you have a limit on the structure and an additional limit on contents. Both include repair/ replacement. SO don't confuse one limit with the other. Also mold coverage is usually a rider to the policy. I that a high deductable was great and lowered the payment but the high amount comes straight out of your pocket. So keep that in mind if you select a 2,500 or highr one. I don't know about you but I don't have that sitting around or can get it a 3 in the morning when I need help.
I would be glad to help others since I deal with adjusters and agegents daily.
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